You're covered against the list of events above if you need to take your contents away from your home temporarily. Just bear in mind that theft isn't insured. However, we'll cover theft, but only when stolen from:

any bank or safe deposit box,

a private home where someone is living,

any building where you are employed or carrying on a business; or

any other building if force or violence is used to get into or out of the building.

For the occupier

If someone has an accident in your home and a court says you’re responsible as the occupier – we’ll be there to help and we’ll pay up to £2 million for any legal costs or compensation claims.

For temporary accommodation

If you need to live somewhere temporarily for up to two months - we’ll give you the same occupier’s liability while you’re there. This insures you for any legal costs or compensation claims if someone were to have an accident while you’re staying there.

For tenants

We’ll cover you if you’re renting a property and your tenancy agreement makes you responsible for damages. We’ll pay up to £20,000 for any damage caused by the following:

Fire, lightning, explosions, earthquakes and smoke

storms or floods

water leaking from pipes, water tanks, washing machines, dishwashers and radiators

accidental damage to underground pipes or underground electricity and telephone cables, which connect your home to the public supply

For employers

If you’ve employed someone to work in your home such as an au pair or a housekeeper and they get injured while they are there, we’ll pay up to £10 million for legal costs and compensation that you’re responsible for. This does not cover you for people who are self-employed, only those who are employed directly by you.

If you’re awarded compensation and expenses for any loss or damage to a property, we’ll cover the cost if it hasn’t been paid after three months, as long as there isn’t an appeal going on. Just remember that this insurance is for the policyholder and those covered by your policy.

If disaster strikes, we’re there for you. We’ve provided you with an emergency helpline that you can call 24 hours a day. They’ll be able to help you and tell you next steps so you can get things fixed.

We’ll pay for accidental loss or damage to your contents when you move house. But bear in mind, only if you use a professional removals company and you’re moving within:

Great Britain

Northern Ireland

The Channel Islands

The Isle of Man

We’ll also insure your belongings up to seven days if you need to put them in storage, in case your move is delayed. It’s worth remembering thatwe can’t pay for the storage but we’ll insure your belongings while in storage.

We’ll pay up to £500 for money that’s been stolen from your home, from anywhere in the UK and in Europe too. We’ll even insure your cash while you’re travelling anywhere in the world for a maximum of 60 days - you just need to make sure you tell the police as soon as possible.

We’ll pay if your food in your freezer gets ruined by refrigerant fumes or a change in temperature. We’ll also pay up to £250 to replace any shopping that gets lost or damaged on your journey home from the shops - as long as the shopping wasn’t on display in the car and all of the doors and windows were locked as well.

When someone leaves for college or university, it helps to know their things are insured while they’re away. We’ll cover their belongings up to £3,000, whether they’re staying in halls of residence or privately rented accommodation. So you don’t have to worry about the cost of replacing anything that might get damaged or stolen.

It’s worth bearing in mind that they won’t be covered for theft or attempted theft that doesn’t involve the use of force or violence. So if they throw a party at their house and something is stolen because their door was unlocked, whatever was stolen wouldn’t be covered.

If you’re having people to stay you can be safe in the knowledge that we cover their belongings while they’re in your home. We’ll pay up to £2,500 for their personal belongings if they get damaged or lost in your home, as long as the items aren’t insured by another company.

You can choose whether you need any of these optional extras included in your Allianz contents insurance, so you can make sure it's right for you.

If you’ve got a special piece of jewellery, a favourite watch or any personal item you wouldn’t want to get lost, stolen or damaged, you can add this extra insurance so you can be safe in the knowledge that they’re covered when you’re out and about.

With this extra, your possessions will be insured if they get accidentally damaged at home, as well as theft and accidental damage when you take them out with you in the UK or Europe. On top of this, if you go on holiday, your belongings are insured anywhere in the world for up to 60 days in the insurance year.

We define personal possessions in two different ways:

Unspecified – items that are worth anything up to £1,000 each that you want to be insured away from your home. This could be:

If your heating, plumbing or electricity causes any drama at home, we’ll be just a phone call away. Any time, day or night, we’ll talk you through what to do, send a qualified contractor out to fix the problem and pay the first £500 of repairs.

If you need us to, we’ll even put you up in a hotel for the night (up to £200). This also covers severe weather, fallen trees and getting rid of pests and wasp’s nests.

Sofas and your other furniture just aren’t the same if things don’t match. As standard with us, we’ll pay up to 50% of the cost to replace a set or suite in your home – if we can’t replace the broken item.

With this upgraded cover added to your insurance, we’ll pay to replace the whole set if we can’t replace the broken item. We’ll make sure your suites match, so they won’t spoil your room.

As standard with us, your audio and visual equipment, mirrors and glass will be insured against accidental damage. We’ve all, at one time or another spilt something on the sofa or carpet. You can choose if you’d like to have added protection for these types of events by opting for the accidental damage upgrade.

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Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121849

Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121849